Asset Policy Initiative of California

What Motivates Low Income Earners to Save Money?

According to this new study released by EARN, 83% of low-income workers continue saving following completion of a matched savings program. This qualitative study answers the following questions: (1) Do workers who complete matched savings programs continue to save beyond the program? (2) What are the mechanisms and circumstances that allow for continued savings? (3) Does participating in a matched savings program correlate with increased civic engagement?

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2009-2010 Assets & Opportunity Socorecard

When it comes to achieving financial success, California residents face mixed prospects according to the 2009-2010 Assets and Opportunity Scorecard, a biannual report released by CFED. This report presents a comprehensive look at wealth, poverty, and the financial security of families at the state and national level. Based on the most current data available, California received a "C" grade. The report notes that California's policymakers have significant opportunities to support the financial well-being of their constituents.

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American Dream 2.0

Despite the turmoil in the state's housing market, at APIC we believe there are innovations in the asset-building field for renters, in lending for first-time buyers, and in employer-sponsored benefits, all of which have successful homeownership track records. This paper offers a series of actionable strategies on homeownership policy for California's business, nonprofit, and government leaders. Download PowerPoint Presentation